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Stamp duty holiday

In 2020, to kick start the housing market, the UK governments announced a stamp duty holiday running into 2021. The holiday was introduced in June 2020 and is now in the process of being phased out.

What is stamp duty?

Stamp duty is a tax that’s payable when you buy property or land. In Scotland it’s known as Land and Buildings Transaction Tax and in Wales as Land Transaction Tax.

The amount of stamp duty you pay depends on the purchase  price, whether it’s your first property and where in the UK the property or piece of land is.

The thresholds and rates are set by the UK government for England and Northern Ireland and by the devolved governments in Wales and Scotland.

First time buyer stamp duty

Before the stamp duty holiday was introduced, first-time buyers could take advantage of higher thresholds on the property purchase price to enjoy reduced rates or avoid paying stamp duty altogether.

The exact rates and thresholds varied between those set by the UK government covering England and Northern Ireland and the devolved governments in Scotland and Wales.

Stamp duty and mortgages

Stamp duty tax is just one of the fees you should factor in when taking out a mortgage on a new property.

It’s possible to add any stamp duty payable on your property purchase to the mortgage amount. Doing this means you avoid having to pay an upfront lump sum, but it will add interest to your mortgage over the duration of the mortgage term and will also affect your loan to value ratio (LTV).

If you’re looking to remortgage, out remortgage comparison service quickly and easily shows you the rates and deals on offer from some of the UK’s top lenders.


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